13 Izinzuzo Ezimangalisayo Zomshado Kowesifazane

Ukushada kungenye yezinyathelo ezinkulu zokholo owesifazane azithathayo empilweni yakhe. Ezinye zezinzuzo zomshado kowesifazane yilezi: ukuphila okujabulisayo, umngane angahlanganyela naye kokubili izikhathi ezinhle nezimbi, kanye nomngane oqhubekayo angathembela kuye. A cwaningo waseHarvard uthole ukuthi abantu abashadile 'abajabule' bajabulela impilo engcono kunabantu abangashadile. Uma kuqhathaniswa nabantu abangashadile, abantu abadala abajabulayo emshadweni bavame ukuphila isikhathi eside, bejabule, futhi baba nezifo ezimbalwa zenhliziyo nemithambo yegazi.

Ukuthola kabanzi ngokubaluleka komshado nokuthi kusho ukuthini umshado kumuntu wesifazane, sithinte isazi sokusebenza kwengqondo Aakhansha Varghese (M.Sc. Psychology), ogxile ezinhlotsheni ezehlukene zokwelulekwa ngobudlelwano - kusukela ekuqomeni kuya ekuhlukaneni, kanye nobudlelwane bangaphambi komshado kuya ebuhlotsheni obuhlukumezayo.

Uthi, “Ngenxa yokubusa kwamadoda, kukhona kokubili izinzuzo nezinkinga zokuba owesifazane oshadile. Umshado umnikeza ithuba lokuba nezinzuzo zezimali nokulondeka. Sengikushilo lokho, angisho ngempela ukuthi abesifazane abangashadile futhi abanquma ukuhlala bengashadile abasimami ngokwezimali noma abazimele. Abesifazane abangashadile nabo baphila ukuphila okuzinzile.”

13 Izinzuzo Ezimangalisayo Zomshado Kowesifazane

Kubalulekile ukuqaphela ukuthi ngaphambi kokuba sikhulume ngalezi zinzuzo zomshado kwabesifazane, sithatha ngokuthi laba besifazane a) banenkululeko ephelele mayelana nesinqumo sabo sokushada, b) abacindezelwa ukulindela okungafani nokwezinzalamizi 'kokuzithoba endodeni', c) abaphoqwa/baphoqwa ukuba babe nezingane, d) bazimele ngokwezimali futhi baphephile uma kwenzeka umshado ungekho, kodwa umshado awukho. yona). Ngakho, uma ngempela unayo uthole umlingani ofanele futhi bayazibuza ukuthi yiziphi izinzuzo zomshado kowesifazane, bese ufunda futhi uthole.

1. Umshado uyithuba lokukhula 

Umshado uyisiqalo sokwakha umndeni onezingane noma ongenazo. Inikeza ithuba lokukhula njengomuntu ngamunye nanjengombhangqwana. Ukukhula kungaba yinoma yiluphi uhlobo okuhlanganisa:

• Ukukhula kwengqondo
• Ukukhula kwezimali 
• Ukukhula ngokomqondo 
• Ukukhula ngokomzwelo 
• Ukukhula ngokomoya 

U-Aakhansha uthi, “Umndeni wabantu ababili nawo uwumndeni, umshado ungaphezu nje kokuhlangana, ukuba owesifazane oshadile kukunika ithuba khula ebudlelwaneni futhi ukhule njengomuntu. Konke lokhu kukhula kunemiphumela emihle kubo bobabili abalingani. Uma umshado ozinzile, ojabulisayo, uba nomusa ngokwengeziwe, umnene, nozwela. Ngaphezu kwalokho, imishado enjalo yenza abesifazane baqine kunangaphambili.”

2. Uthola umngane omethembayo 

Ingabe umshado uyamzuzisa owesifazane? Kuyakwenza futhi lokhu kungenye yezinzuzo zomshado kowesifazane. Unomuntu ophila naye ongamethemba. Uzokwazi ngokuqinisekile ukuthi lo muntu ngeke asuke eceleni kwakho kungakhathaliseki ukuthi kwenzekani, ngokugula nempilo. Bazogcina zonke izimfihlo zakho ziphephile, njengoba nawe uzokwenza kubo. Bazokwenza isiqiniseko sokuthi bayakuphakamisa uma uzizwa uphansi. Ngaphandle kwalokho, uzohlala unomuntu ongabelana naye ngezinto zokuzilibazisa kanye nemisebenzi yasendlini/yangaphandle, othile ongahamba naye, othile ozokunakekela, nomuntu ozokuphelezela ohambweni olude.

3. Uzinza ngokwezimali 

Kungakhathaliseki ukuthi ungowesifazane osebenzayo noma ungowasekhaya, uba namandla ngokwezimali lapho ushadile. Esikhundleni semali engenayo eyodwa, kunemiholo emibili eqhuba ikhaya. Ezinye zezezimali izinzuzo zomshado kowesifazane kuhlanganisa:

• Izinzuzo zokuphepha komphakathi njenge-Medicare kanye nezikhwama zomhlalaphansi
• Izinzuzo ze-IRA (I-Individual Retirement Account). 
• Izinzuzo zamafa

U-Aakhansha uthi, “Uthola imihlomulo eminingi yomshwalense lapho ushada, ungaba umuntu oqokiwe noma uthole izinzuzo ezithile ozithola ngokushada. Eqinisweni, kwamanye amazwe izindleko zemoto zishibhile kwabashadile kunabantu abangashadile.” 

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4. Uthola ukujabulela ukusondelana ngaphandle kwesithiyo 

Lapho ushadile, uthola isikhathi esiningi esengeziwe, indawo, kanye nobubanzi bokuhlola amaphupho akho. Uthola nokusondelana nomlingani wakho nganoma yisiphi isikhathi ofuna ngaso. Lona omunye wemiphumela emihle yokushaywa. Awudingi ukubeka usuku nesikhathi ukuze nihlanganyele ucansi nomunye nomunye. Ngeke kudingeke ubhekane nomakhelwane abakhohlisayo abakwahlulela ngasese ngokuya ocansini ngezikhathi ezingavamile noma ngokuhlala ndawonye ningashadile. 

5. Umshado uthuthukisa impilo yengqondo kwabesifazane

U-Aakhansha uthi, “Umshado usho ukuthini kumuntu wesifazane kunzima ukukuchaza, akafuni lutho ngaphandle kothando nokuqondwa umlingani wakhe, zonke lezi zinto zithuthukisa ngqo impilo yakhe yengqondo. Uyajabula uma enesistimu yokusekela. Uthola konke okuyisisekelo sokusekela emshadweni wakho futhi lokho kungenye yezinzuzo eziyinhloko zomshado kowesifazane.”

Ngeke kudingeke ukuthi udlule kulokho kuhlukana okunzima noma yiziphi izigaba zokuphola ezikhathazekile futhi. Ngakho, umshado unikeza umuzwa wokulondeka osiza ekuthuthukiseni inhlalakahle engokwengqondo yowesifazane. Ucwaningo kufakazele ukuthi abesifazane abashadile baba nezinkinga zempilo yengqondo encane njengokucindezeleka, ukukhathazeka, kanye ne-PTSD uma kuqhathaniswa nabesifazane abangashadile. Abesifazane abashadile abakwa-Queer bahamba kangcono nakakhulu. Ucwaningo kubonisa ukuthi abesifazane abasemishadweni yobulili obufanayo abacindezelekile kakhulu kunabesifazane abasemishadweni yabantu bobulili obuhlukile. 

6. Unethuba lokudala umndeni wamaphupho 

U-Aakhansha uthi, "Awukwazi ukukhetha lapho uzalelwa khona kodwa uthola ukukhetha umuntu ofuna ukwakha umuzi wamaphupho akho naye. Uyakwazi ukukhetha ukuthi ufuna izingane futhi uzikhulise ngendlela ofuna ngayo. Yilokho kanye kusho ukuthini umshado kumuntu wesifazane. Ufuna ukwazi ukukhetha umlingani wakhe futhi aphile impilo egcwele izikhathi ezimnandi.”

Abanye besifazane abakutholi ukunethezeka kokukhuliswa ezindlini ezinhle. Baye baba izisulu zokuhlukunyezwa, ukunganakwa, nokungabi naluthando njengezingane. Uma uzibuza ukuthi umshado uyisinqumo esifanele yini kuwe, khona-ke unelungelo lokungabaza ngakho. Kodwa uma ubulokhu ufisa ukuba nomngane womshado omuhle, indlu yamaphupho, nezingane ezithandekayo, khona-ke umshado uyindlela yakho engcono kakhulu. Uma wesaba ukuzibophezela, khona-ke ungazama ukuhlala ndawonye ngaphambi kokubopha ifindo. 

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7. Uthola izinzuzo zomshwalense wezempilo 

Njengoba uhlela ukuchitha impilo yakho nozakwenu, unelungelo lokuthola ezinye izinzuzo zomshwalense wezempilo kanye nezinzuzo zokuphepha komphakathi. Okubhalwe ngezansi ezinye zezinzuzo zomshwalense wezempilo ozithola uzijabulele uma ushadile: 

• Uma uthola umshwalense wezempilo ngomqashi wakho, ungonga imali
• Kuzodingeka ubhekane namaphepha amancane 
• Kuzoba lula ukugcina umkhondo womshwalense wakho wezempilo njengombhangqwana oshadile
• Ngokuya ngalokhu cwaningo, imishado inciphisa ukusetshenziswa kwezinye izinkonzo zezempilo ezibiza kakhulu (njengokunakekelwa kwekhaya lasebekhulile)

8. Indlela yakho yokuphila izoba ngcono

Ingabe umshado uyamzuzisa owesifazane? Yebo, enye yezinzuzo zomshado kowesifazane ukuthi indlela yakhe yokuphila izoshintsha ibe ngcono. Uzogcina ngokuthatha ubungozi obuncane futhi uzophila impilo enempilo. 

U-Aakhansha uthi, “Uyohlezi unaye umuntu ohamba naye ekubhekeni uma niphuma, bangakusiza ukuthi ugqoke yiphi ingubo futhi bazokushawa ngezincomo. ushade nomuntu onamahloni, khona-ke bayokuvulela iminyango emisha. Uma uyi-extrovert futhi unomlingani ongeyena, uthola ukufunda okuningi ezintweni azithandayo zomlingani wakho nomuzwa wokuzola. Nobabili nithola ukuphila ngombono omusha manje.”

9. Abesifazane abashadile banelungelo lokuthola izinzuzo zentela 

Ingabe umshado uwufanele? Yebo. Ngaphandle kwezinzuzo ezibalulekile zokuphepha komphakathi kanye nezinzuzo ezingokomthetho zomshado, futhi uthola izinzuzo zentela. Lokhu kungenye yezinzuzo ezinkulu zokushada. Nazi ezinye zezinzuzo zentela zowesifazane oshadile:

• Intela yezakhiwo/yokuhlala ephansi
• Ayikho intela yezindlu (ngemuva kokushona kowakwakho) uma bephethe noma yiziphi izimpahla 
• Ungafayela imbuyiselo yentela eyodwa esikhundleni sezimbili ezihlukene lapho ushadile

10. … Kanye nezinzuzo zentela yomshado

Enye inzuzo yomshado kwabesifazane ukuthi bangathola ukudonswa intela yomshado engenamkhawulo. Uma unanoma yiziphi izimpahla noma izakhiwo, ungazidlulisela egameni likazakwenu ngaphandle kokukhokha imali yentela eyengeziwe. Lo msebenzi ungenziwa ngaphandle kokukhokha intela. 

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11. Ungaphatha i-akhawunti ehlanganyelwe esikhundleni sezimbili ezihlukene

U-Aakhansha uthi, “Enye yezinto zokuqala umbhangqwana oshadile ozenzayo ngemva kokushada ukuvula i-akhawunti ehlangene. amathiphu okuhlelwa kwezimali uma ushada. Izokuvumela ukuthi uphathe izindleko zasendlini, izindleko zokuthenga, nanoma yiluphi uhlobo lwezindleko ngendlela elula. Ngeke kube nokushayisana ngokuthi imali isetshenziswa kanjani ekubeni uzobe ungeke ukhiphe imali ku-akhawunti kaphathina wakho kodwa uzoyithatha ngokuhlanganyela.”

Bobabili ozakwethu bazoba nokufinyelela okulinganayo kuyo. Lena indlela esobala ngokuphelele yokwazi ukuthi imali isetshenziswa kanjani. Ukuvula i-akhawunti ehlanganyelwe kukhuthaza ukwethembana nomuzwa wobungani.

12. Uma ushadile, irenti noma izindleko zokuphila ziyehla 

Ukuba ngowesifazane ongashadile futhi uhlala wedwa kungase kukuqede amandla ku-akhawunti yakho yasebhange. Amadolobha afana ne-New York ne-Seoul anezindleko eziphakeme kakhulu zokuphila lapho irenti iphezulu kakhulu. Lokhu kungenye yezinzuzo ezinkulu zezezimali zomshado kowesifazane. Lapho ushada, wena nomngane wakho womshado ningahlukanisa inani lerenti futhi lokhu kuzokwehlisa umthwalo wenu wezezimali. 

13. Ungakhetha ikhava yokubeletha

U-Aakhansha uthi, “Uma ushadile futhi uhlela ukukhulisa umndeni wakho, kubalulekile ukuthi uthole ikhava yokwengeza ngesikhathi sokubeletha. Uma unayo wanquma ukungabi nabantwana, bese ungakhetha omunye umshwalense wezempilo kanye nezinzuzo ezingokomthetho zomshado. 

Ukubaluleka komshado njengesikhungo ukuthi kukugcina ugxilile. Ihlinzeka ngokuphepha ngokwezimali nangokomzwelo. Nokho, uma ungenaso isiqiniseko ngomshado, akukho muntu okufanele akuphoqe ukuba wenze lesi sinqumo. Shada lapho uzizwa sengathi usukulungele ukumethemba, ukuthanda, nokusekela owakwakho kuyilapho uthola inani elifanayo lezinto ezinhle kuye. 

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